@Luis - I agree completely. We win more flies with honey...if we want to make a stand, lead by example and don't play the "born again" - it will turn people off right from the start. Thanks for your feedback!
I doubt if most employers try to stick their employees for the bad currency that they take. Most places, counterfeits aren't enough of a problem to be worth the hassle.
Still, it's technically up to whatever the agreement is between the employee and the employer. In any case, the employer could certainly fire employees who carelessly took counterfeits, especially if they were supposed to check and didn't.
Saturated fats are HEALTHY fats and have NEVER been proven to cause heart disease except in flawed, biased studies like Ancel Keys' study. They should be eaten liberally.
PUFA and trans fats are the unhealthy ones. All vegetable oils except coconut, olive and palm oils are unhealthy.
Anything made from grains, refined OR whole, are bad for humans and should be avoided.
I'm a single mom with a teenage daughter. They are an independent bunch and need time alone. I research the heck out of where we are going(mostly USA but had a week in Paris) and make reservations in fairly cheap hotels. If you don't speak the language a concierge is invaluable. Also find hotels near cafes or such. If you stay in one place long enough, the teenager can go out alone with confidence. Early morning is a great time to see the things your son does not want to-he can sleep in and lounge around for a bit at the hotel. If you both have a cell phone and access to cash(both for emergencies only) you will feel more relaxed.
Why does anybody even give this guy any consideration? His history is a fraud and his personal wealth is from telling other people how to get rich, he never did it himself until claiming to be able to teach others (thanks to the scAmway network that fell for it). Anyone that has anything positive to say has either a vested interest or is a rube.
I thought the "Heath Shake" was ironic in that it's only one letter away from being a Health Shake. But anyway, coming from someone who has bought things BECAUSE they had more calories per dollar in it, I have to say, what's wrong with bigger portions? Can't you lardos out there restrain yourselves enough to eat half now and half later if you buy a sandwich with 2000 calories in it and that's more than your body can stand without building up your fat reserves? For crying out loud, the only type of calories you should avoid is sugar (especially corn sugar) and hydrogenated oils because half of it is trans fat while fat that is saturated by biological processes is 100% cis fat. Those are the really UNhealthy fats, with regular 100$ cis saturated fat being arguable because of that whole heart disease thing. So avoid trans fat, to a lesser extent, keep saturated fats to less than 30% your total fat intake, preferably 10%, and keep away from high fructose corn syrup, and then it doesn't matter about the particulars of what you eat, just how much you eat and how often you eat it. You can just as well eat too many calories by stuffing yourself with taco bell bean burritos or subway sandwiches as you can by consuming a day worth of food in one sitting. It's just a matter of lack of self control if you feel compelled to eat everything you bought right now and it'll just cost you more money to buy enough subway sandwiches to overfeed yourself (while the bean burritos are pretty cheap). My point is, you are eating for the PURPOSE of absorbing calories. If you want to pay twice as much for half as many calories and get half the energy out of it because you're too fat, well then, you're better off instead just eating the bigger sandwich half as often, and your wallet will thank you for it. Maybe I don't think normally because I am poor and yet my body burns off 10 thousand calories a day though. But it seems to me that if any job worth doing is worth doing well, so if you're going to pay X dollars for Y calories worth of food, making X smaller or Y bigger is an improvement.
We just cancelled our cable and set up our "rabbit ears" and TV converter box. With the coupon it was about $30 for the antenna AND converter box, which I was excited about (that is just one month of cable service cost for basically the same channels).
ANYWAY- we used to record TV using a PVR TV tuner on our computer, which was hooked to the cable. I don't think the computer TV tuner option will work with the converter box. Now I am at a complete loss on how to record TV. I would love to get a DVR, but would it work with the TV converter box? I AM NOT going back to cable, or doing satellite. We used to record TV with a DVD recorder or VCR- but our old one broke and the new one doesn't have the inputs necessary OR the ability to time record. I don't mind programming a machine to record at a certain time (like old time VCRs), but it seems most people now get satellite and DVR- and I can't afford to do this now, and am happy with the basic channels we are getting with the converter box. I feel like we have gone back in time to before things like VCRs and having to sit down and watch TV only when the show is actually on. I have small children and like to watch TV after they are in bed . . .
HELP!! Is there any DVR type option out there that won't cost an arm and a leg and will work with the converter box?
I played it twice or so with a group of people who got together for that very reason. At the time there were several of these groups. Everyone would chip in $5 to play the game. That help offset the original costs.
It's not *just* like Monopoly. As you said, it's more realistic. And when I played it, comparisons to Monopoly were far from my mind. It really takes the essence of "financial getting-ahead" and shows you the skeleton of what it really takes to get where you want. Once you start seeing your own finances like that...it's easier to deal with them in terms of just numbers - makes it easier to manipulate when you can do that without your own psychological, social and other factors getting in the way.
It's just like what some people do with "practice stock trading" perhaps - they do it on paper before doing it for real. Takes the emotion out of it.
Prospector, captain, mayor, trader, settler, craftsman, or builder? Which roles will you play in the new world?
Will you own the most prosperous plantations? Will you build the most valuable buildings? You have but one goal: achieve the greatest prosperity and highest respect! This is shown by the player who earns the most victory points. He will win the game!
have you some informations about how to launder counterfeinting's money ?
I am a french student and i am finalising a dissertation on "counterfeiting and money laundering" as part of a master degree...
thank you
Good ideas Linsey! laundry and AC savings can go hand-in-hand. Especially since using an electric dryer on a hot day does add some heat to your house that then makes the AC work harder to get rid of that heat. A dreaded double whammy!
If you dry your laundry and clothes on a clothes drying rack like this one that is set up outdoors or indoors under a ceiling fan you will have saved a ton of energy by not using the clothes dryer at all AND not adding heat to your house in the summer.
I understand that at that age there is no way the brain has developed to comprehend those type of concepts such as sales and advertising etc. However most people now a days consider retailers and business evil and just out for your money with no regard for being personal. Which is universally false and unwarranted. Many stores are trying to help in any given situation and trying to recommend what is right for you. If you encounter a sales person and do not want help feel free to say 'I'll help myself' which is fine I do it all the time and a good lesson to teach an up and coming consumer. The flip side is to make sure you don't turn into a hypocrite and complain and complain and complain about customer service because you did not want to be helped. The problem with our consumer culture is that we villify and treat all retail workers who work very hard for what they get horribly because it didn't fit our insane idea of customer service (i.e You get whatever you want immediately without regard to the process.) If we feel the need to bash and trash companies that is well within our rights and is fine if we are treated bad but the majority of the time people are really trying to help you. So please avoid being a hypocrite. Trying saying this and let me know why most Americans are like this. "Listen little Judy here is how being savvy works, you are going to go into this store, you are going to ignore the salesperson and help yourself. After you have found what you want at the most generous price, you are going to buy it and bring it home. You are going to find out that you really didn't like it or didn't work for what you need. You are going to march right back to that store and demand that as the customer that they were in the wrong and blame the first salesperson you ignored. You will also comment that the advertising was somehow misleading and are going to contact some type of government official and report them and close them down, that'll show'em. After that we will begin sewing our own clothes, growing our own food, slaughter Jimmy our delightful pet pig because we closed all grocery chains for misplacing a sign on accident and read by candlelight because the grid was shutdown due to our efforts to demand an electric bill less than $50. That my little Judy is being savvy."
Well, all the blogs about 'frugal' living has got me, the 'frugal guru' a bit mad. First, most are saying that it is a new phenomenom. No, it is not. I have been doing swaps, barter, thrift stores, and yard sales for over 40 years. I did so as a 'smarter' way to live, not as a necessity, and soon learned that in addition to those who had to, I would soon start a trend for those who wanted to.
I had a wedding for free, attended by over 2000 people, 3 newspapers, and 4 network TV departments, have found cashmere for 1.00 in a thrift store, because I know how to spot quality, not necessarily brand names, but I have 'learned' the industry names in all categories that I shop for. I did this at an early age, as part of my formal personal education. Everyone needs to do this. I recycle everything possible. I rarely buy at retail, but many times buy new things for used prices. There are many ways to live frugal, but it in no way is a trend. It is a way of live, for those who know better. Cheers, Frugal Guru
I'm almost 40 and grew up in small town America. I vividly remember and cherish the memories of my father and I going to the local Mom & Pop convenience store for most everything because a trip to town involved several miles of travel.
You always knew who would be behind the counter - it was the owner - and, most of the time, we would know all of the patrons in the store. My Dad would sit and talk for hours as the owner would slip me a piece of candy here and there.
It was expensive for that time period but not nearly as expensive as a drive to town and the wear and tear on the family vehicle.
Your article made me miss those days. Now that I look back, I can see how much we have lost in the name of progress. It saddens me that some younger Americans in some cities probably don't even know what a Mom & Pop business is. They will never experience the good times, exceptional food and great conversation that I was fortunate enough to experience and, unfortunately, took for granted at the time thinking things would never change.
Apple cider vinegar or even white vinegar for a hair rinse once or twice a month is a staple of long hair care over at the Long Hair Community (http://www.longhaircommunity.com/) for clarifying any "cone" products out of your hair (silicone, dimethicone, etc. that are in many hair products and create the icky buildup). It's best to dilute the vinegar with water and follow with a cold rinse.
I know that some people avoid cleaning with vinegar because of the smell but it really doesn't take long to get used to it, and there's no harmful vapors. I'd rather smell safe vinegar than bleach and ammonia-based products.
There is an episode of the TV series Dead Like Me which deals with this exact thing. George's little sister Reggie is "befriended" by a salesperson at the mall, buys lots of stuff and comes back later to see the salesperson using the same lines on another customer.
I didn't know about zipping up before doing the wash.
I agree with the other poster -- $4000 wow! We budget $300 a year for clothes, with much of it going to school uniforms for our two kids. I try to buy used clothes for the kids, but when school starts, sometimes we fall back on the department store. Kids are so hard on clothes, often the used kids clothes are well used.
My wife works as a librarian at a college, and a lot of our clothes come from the free piles there that are left behind at the end of the school year.
I usually hit the $5 a bag sales at the thrift stores for my clothes.
These are some great tips to keep the amateur boater and hiker safe. I was just hiking through the mountains of Ghana and half way through the hike, lost and a little turned around, realized that we should have brought a little more water and some snacks.
That is a great game and you really do start to sweat after a while. Plus when you get sick of the current song there's a million more versions of you can pick up for cheap.
Great intro to location independence, Nora. I've been working location independent since the beginning of this year (from San Francisco, multiple places in Mexico, Portland and Vancouver B.C.). It's really fantastic, but does definitely require some discipline. I find it really important to set expectations with friends and family, otherwise people tend to think you're on permanent vacation and don't understand that you need time to work.
In the 59's, 60's and 70's the minimum wage was raised every few years by 20 - 50 cents/hour. No one noticed or complained. The wage equaled the poverty level for a family of 3, and 1/2 the average hourly wage. The economy was great. Then The Reagan/Bush Administration refused to raise it for 10 years. Inflation rose sky-high during that time. The value of the minimum wage dropped to 80% of the poverty level. That's when we started seeing homeless on the streets. A living wage should provide enough wages to pay for an average efficiency apartment, using 1/3 of those wages for housing. In my neighborhood that would be about $10.00/hour. The best way to stimulate the economy is to provide workers enough wages to buy the products they are manufacturing. Henry Ford knew this. He paid his workers a living wage.
@Corbett - Amen to that! On Permanent vacation we are not...
@Luis - I agree completely. We win more flies with honey...if we want to make a stand, lead by example and don't play the "born again" - it will turn people off right from the start. Thanks for your feedback!
I doubt if most employers try to stick their employees for the bad currency that they take. Most places, counterfeits aren't enough of a problem to be worth the hassle.
Still, it's technically up to whatever the agreement is between the employee and the employer. In any case, the employer could certainly fire employees who carelessly took counterfeits, especially if they were supposed to check and didn't.
Saturated fats are HEALTHY fats and have NEVER been proven to cause heart disease except in flawed, biased studies like Ancel Keys' study. They should be eaten liberally.
PUFA and trans fats are the unhealthy ones. All vegetable oils except coconut, olive and palm oils are unhealthy.
Anything made from grains, refined OR whole, are bad for humans and should be avoided.
If an employee forgets to check a $20 bill for instance, does the employee have to pay the company the $20 back
I'm a single mom with a teenage daughter. They are an independent bunch and need time alone. I research the heck out of where we are going(mostly USA but had a week in Paris) and make reservations in fairly cheap hotels. If you don't speak the language a concierge is invaluable. Also find hotels near cafes or such. If you stay in one place long enough, the teenager can go out alone with confidence. Early morning is a great time to see the things your son does not want to-he can sleep in and lounge around for a bit at the hotel. If you both have a cell phone and access to cash(both for emergencies only) you will feel more relaxed.
Why does anybody even give this guy any consideration? His history is a fraud and his personal wealth is from telling other people how to get rich, he never did it himself until claiming to be able to teach others (thanks to the scAmway network that fell for it). Anyone that has anything positive to say has either a vested interest or is a rube.
Hi there. Great review!
Just dropping by as the host of the Aug 2nd edition of the Book Reviews Blog Carnival, to let you know I've added you to the post.
Thanks for submitting your review. :)
I thought the "Heath Shake" was ironic in that it's only one letter away from being a Health Shake. But anyway, coming from someone who has bought things BECAUSE they had more calories per dollar in it, I have to say, what's wrong with bigger portions? Can't you lardos out there restrain yourselves enough to eat half now and half later if you buy a sandwich with 2000 calories in it and that's more than your body can stand without building up your fat reserves? For crying out loud, the only type of calories you should avoid is sugar (especially corn sugar) and hydrogenated oils because half of it is trans fat while fat that is saturated by biological processes is 100% cis fat. Those are the really UNhealthy fats, with regular 100$ cis saturated fat being arguable because of that whole heart disease thing. So avoid trans fat, to a lesser extent, keep saturated fats to less than 30% your total fat intake, preferably 10%, and keep away from high fructose corn syrup, and then it doesn't matter about the particulars of what you eat, just how much you eat and how often you eat it. You can just as well eat too many calories by stuffing yourself with taco bell bean burritos or subway sandwiches as you can by consuming a day worth of food in one sitting. It's just a matter of lack of self control if you feel compelled to eat everything you bought right now and it'll just cost you more money to buy enough subway sandwiches to overfeed yourself (while the bean burritos are pretty cheap). My point is, you are eating for the PURPOSE of absorbing calories. If you want to pay twice as much for half as many calories and get half the energy out of it because you're too fat, well then, you're better off instead just eating the bigger sandwich half as often, and your wallet will thank you for it. Maybe I don't think normally because I am poor and yet my body burns off 10 thousand calories a day though. But it seems to me that if any job worth doing is worth doing well, so if you're going to pay X dollars for Y calories worth of food, making X smaller or Y bigger is an improvement.
We just cancelled our cable and set up our "rabbit ears" and TV converter box. With the coupon it was about $30 for the antenna AND converter box, which I was excited about (that is just one month of cable service cost for basically the same channels).
ANYWAY- we used to record TV using a PVR TV tuner on our computer, which was hooked to the cable. I don't think the computer TV tuner option will work with the converter box. Now I am at a complete loss on how to record TV. I would love to get a DVR, but would it work with the TV converter box? I AM NOT going back to cable, or doing satellite. We used to record TV with a DVD recorder or VCR- but our old one broke and the new one doesn't have the inputs necessary OR the ability to time record. I don't mind programming a machine to record at a certain time (like old time VCRs), but it seems most people now get satellite and DVR- and I can't afford to do this now, and am happy with the basic channels we are getting with the converter box. I feel like we have gone back in time to before things like VCRs and having to sit down and watch TV only when the show is actually on. I have small children and like to watch TV after they are in bed . . .
HELP!! Is there any DVR type option out there that won't cost an arm and a leg and will work with the converter box?
I played it twice or so with a group of people who got together for that very reason. At the time there were several of these groups. Everyone would chip in $5 to play the game. That help offset the original costs.
It's not *just* like Monopoly. As you said, it's more realistic. And when I played it, comparisons to Monopoly were far from my mind. It really takes the essence of "financial getting-ahead" and shows you the skeleton of what it really takes to get where you want. Once you start seeing your own finances like that...it's easier to deal with them in terms of just numbers - makes it easier to manipulate when you can do that without your own psychological, social and other factors getting in the way.
It's just like what some people do with "practice stock trading" perhaps - they do it on paper before doing it for real. Takes the emotion out of it.
Look it up, Puerto Rico is a board game
Here is the description by BN
Prospector, captain, mayor, trader, settler, craftsman, or builder? Which roles will you play in the new world?
Will you own the most prosperous plantations? Will you build the most valuable buildings? You have but one goal: achieve the greatest prosperity and highest respect! This is shown by the player who earns the most victory points. He will win the game!
hello,
have you some informations about how to launder counterfeinting's money ?
I am a french student and i am finalising a dissertation on "counterfeiting and money laundering" as part of a master degree...
thank you
Good ideas Linsey! laundry and AC savings can go hand-in-hand. Especially since using an electric dryer on a hot day does add some heat to your house that then makes the AC work harder to get rid of that heat. A dreaded double whammy!
If you dry your laundry and clothes on a clothes drying rack like this one that is set up outdoors or indoors under a ceiling fan you will have saved a ton of energy by not using the clothes dryer at all AND not adding heat to your house in the summer.
I understand that at that age there is no way the brain has developed to comprehend those type of concepts such as sales and advertising etc. However most people now a days consider retailers and business evil and just out for your money with no regard for being personal. Which is universally false and unwarranted. Many stores are trying to help in any given situation and trying to recommend what is right for you. If you encounter a sales person and do not want help feel free to say 'I'll help myself' which is fine I do it all the time and a good lesson to teach an up and coming consumer. The flip side is to make sure you don't turn into a hypocrite and complain and complain and complain about customer service because you did not want to be helped. The problem with our consumer culture is that we villify and treat all retail workers who work very hard for what they get horribly because it didn't fit our insane idea of customer service (i.e You get whatever you want immediately without regard to the process.) If we feel the need to bash and trash companies that is well within our rights and is fine if we are treated bad but the majority of the time people are really trying to help you. So please avoid being a hypocrite. Trying saying this and let me know why most Americans are like this. "Listen little Judy here is how being savvy works, you are going to go into this store, you are going to ignore the salesperson and help yourself. After you have found what you want at the most generous price, you are going to buy it and bring it home. You are going to find out that you really didn't like it or didn't work for what you need. You are going to march right back to that store and demand that as the customer that they were in the wrong and blame the first salesperson you ignored. You will also comment that the advertising was somehow misleading and are going to contact some type of government official and report them and close them down, that'll show'em. After that we will begin sewing our own clothes, growing our own food, slaughter Jimmy our delightful pet pig because we closed all grocery chains for misplacing a sign on accident and read by candlelight because the grid was shutdown due to our efforts to demand an electric bill less than $50. That my little Judy is being savvy."
What do you mean by Puerto RIco?
Well, all the blogs about 'frugal' living has got me, the 'frugal guru' a bit mad. First, most are saying that it is a new phenomenom. No, it is not. I have been doing swaps, barter, thrift stores, and yard sales for over 40 years. I did so as a 'smarter' way to live, not as a necessity, and soon learned that in addition to those who had to, I would soon start a trend for those who wanted to.
I had a wedding for free, attended by over 2000 people, 3 newspapers, and 4 network TV departments, have found cashmere for 1.00 in a thrift store, because I know how to spot quality, not necessarily brand names, but I have 'learned' the industry names in all categories that I shop for. I did this at an early age, as part of my formal personal education. Everyone needs to do this. I recycle everything possible. I rarely buy at retail, but many times buy new things for used prices. There are many ways to live frugal, but it in no way is a trend. It is a way of live, for those who know better. Cheers, Frugal Guru
I'm almost 40 and grew up in small town America. I vividly remember and cherish the memories of my father and I going to the local Mom & Pop convenience store for most everything because a trip to town involved several miles of travel.
You always knew who would be behind the counter - it was the owner - and, most of the time, we would know all of the patrons in the store. My Dad would sit and talk for hours as the owner would slip me a piece of candy here and there.
It was expensive for that time period but not nearly as expensive as a drive to town and the wear and tear on the family vehicle.
Your article made me miss those days. Now that I look back, I can see how much we have lost in the name of progress. It saddens me that some younger Americans in some cities probably don't even know what a Mom & Pop business is. They will never experience the good times, exceptional food and great conversation that I was fortunate enough to experience and, unfortunately, took for granted at the time thinking things would never change.
Apple cider vinegar or even white vinegar for a hair rinse once or twice a month is a staple of long hair care over at the Long Hair Community (http://www.longhaircommunity.com/) for clarifying any "cone" products out of your hair (silicone, dimethicone, etc. that are in many hair products and create the icky buildup). It's best to dilute the vinegar with water and follow with a cold rinse.
I know that some people avoid cleaning with vinegar because of the smell but it really doesn't take long to get used to it, and there's no harmful vapors. I'd rather smell safe vinegar than bleach and ammonia-based products.
There is an episode of the TV series Dead Like Me which deals with this exact thing. George's little sister Reggie is "befriended" by a salesperson at the mall, buys lots of stuff and comes back later to see the salesperson using the same lines on another customer.
I didn't know about zipping up before doing the wash.
I agree with the other poster -- $4000 wow! We budget $300 a year for clothes, with much of it going to school uniforms for our two kids. I try to buy used clothes for the kids, but when school starts, sometimes we fall back on the department store. Kids are so hard on clothes, often the used kids clothes are well used.
My wife works as a librarian at a college, and a lot of our clothes come from the free piles there that are left behind at the end of the school year.
I usually hit the $5 a bag sales at the thrift stores for my clothes.
These are some great tips to keep the amateur boater and hiker safe. I was just hiking through the mountains of Ghana and half way through the hike, lost and a little turned around, realized that we should have brought a little more water and some snacks.
Always learning...
That is a great game and you really do start to sweat after a while. Plus when you get sick of the current song there's a million more versions of you can pick up for cheap.
Great intro to location independence, Nora. I've been working location independent since the beginning of this year (from San Francisco, multiple places in Mexico, Portland and Vancouver B.C.). It's really fantastic, but does definitely require some discipline. I find it really important to set expectations with friends and family, otherwise people tend to think you're on permanent vacation and don't understand that you need time to work.
In the 59's, 60's and 70's the minimum wage was raised every few years by 20 - 50 cents/hour. No one noticed or complained. The wage equaled the poverty level for a family of 3, and 1/2 the average hourly wage. The economy was great. Then The Reagan/Bush Administration refused to raise it for 10 years. Inflation rose sky-high during that time. The value of the minimum wage dropped to 80% of the poverty level. That's when we started seeing homeless on the streets. A living wage should provide enough wages to pay for an average efficiency apartment, using 1/3 of those wages for housing. In my neighborhood that would be about $10.00/hour. The best way to stimulate the economy is to provide workers enough wages to buy the products they are manufacturing. Henry Ford knew this. He paid his workers a living wage.